Sub-Standard Table 1-10
These conditions are usually not insurable at standard or better rates. and require an additional ratings which will increase the quoted premium..
| Acute or chronic kidney disorder | Major depression disorder |
| Aneurysms | Myocardial infarction |
| Cerebral vascular disease | Neurological disorder |
| Chronic hepatitis | Paraplegia |
| Chronic liver disease | Peripheral vascular disease |
| Diabetes mellitus type 1 | Recent history of blood disorder |
| Heart failure Diastolic dysfunction Systolic dysfunction) | Recent history of cancer |
| History of cardiac arrest | Severe mental disorder |
| Lupus |